Auto Insurance FAQ in Miami, FL
Auto insurance is essential for every Florida driver, but options and requirements may not always be clear. The Insurance Superstore can guide you through coverage choices by answering common questions you might have about your policy.
What Are Florida’s Minimum Auto Insurance Requirements?
State law requires all drivers to carry at least:
- Personal injury protection (PIP) may cover medical expenses for you and your passengers, regardless of who is at fault.
- Property damage liability (PDL) coverage may pay for repairs to someone else’s property if you are responsible for the damage.
It’s essential to note that these minimums may not fully cover all costs following a serious accident. Our team can review additional coverage options with you for broader support.
What Types of Coverage Can I Add to My Policy?
Beyond the state-required PIP and PDL coverage, you may consider the following:
- Bodily injury liability coverage may cover injuries you cause to others in an accident.
- Collision coverage may pay for damage to your car from a collision, regardless of fault.
- Comprehensive coverage may apply to noncollision events like theft, vandalism or weather damage.
- Uninsured/underinsured motorist coverage may help if you’re hit by a driver with little or no insurance.
How Are Auto Insurance Rates Determined?
Insurance companies may consider several factors, including:
- Your driving record
- The type of vehicle you drive
- Where you live
- Your age and driving experience
- Coverage limits and deductibles you choose
What Should I Do After an Accident?
If you’re involved in an accident, here are actions you can take:
- Make sure everyone is safe and call for medical help if needed.
- Contact law enforcement to file a report.
- Collect information from involved parties, including other drivers and witnesses.
- Take photos of the scene and document any injuries or damage.
- Notify your insurance provider as soon as possible to start the claims process.
Have More Questions?
Our team at The Insurance Superstore is ready to help you understand your options and find the right coverage for your needs. Contact us today to get started.
